865 Summit Ave, Lake Forest, IL 60045 Property Records

Lake County property record for 865 Summit Ave, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,600 sqft · built 1912
Lot Size	0.156 acres (6,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jan 2022)
Tax Bill	$10,210 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-28-311-008`

Property Details

APN / Parcel Number

Primary APN	`12-28-311-008`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	800 sqft
Upper Floors Area	800 sqft
Basement Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,800 sqft (0.156 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	865 SUMMIT AVE
City	LAKE FOREST
State	IL
Zip	60045-1720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN BAY ADDN LOT 96
Legal Subdivision	GREEN BAY ADDN
Legal Lot Number	96
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	1
Census Block	1007
Census Tract	863500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Park Neighborhood Historic District listed 2012 · 190 contributing resources · NRIS 07000900

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lake County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	865 SUMMIT AVE, LAKE FOREST, IL 60045-1720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2022 · Amount on Record
Deed Sale	Jan 6, 2022 · Amount on Record
Deed Document Number	20227859384
Prior Transfer Date	Feb 10, 1998
Prior Transfer Doc	0004156589
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Jan 6, 2022
Property Address	865 SUMMIT AVE, LAKE FOREST, IL 60045-1720
Document Number	0007859384
Instrument Date	Dec 27, 2021
Instrument	7859384
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	PROPERTY TITLE, PROPER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	865 SUMMIT AVE, LAKE FOREST, IL 60045-1720

Mortgage

Document Number	0007859385
Date	Jan 6, 2022
Instrument	7859385

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Shields Township
Municipality	Lake Forest City
Elementary School District	Lake Forest School District 67 (PK - 08)
Secondary School District	Lake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$185,510 (+18.22%) Land $85,345 Building $100,165	$556,586 (+18.22%) Land $256,061 Building $300,525
2024	$10,210.00 (+20.2%)
2023	$8,494.00 (+6.71%)	$156,918 (+6.97%) Land $72,191 Building $84,727	$470,801 (+6.97%) Land $216,595 Building $254,206
2022	$7,960.00	$146,687 Land $67,484 Building $79,203	$440,105 Land $202,472 Building $237,633

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2017 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE FOREST serves 19,642 people · EPA ID IL0970800
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	21 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20